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Rachel Maddow looks at the latest headlines showing Donald Trump backpedaling in the face of protests and plummeting poll numbers, taking a shocking loss in a special election, losing court cases, and watching resignations in protest deplete his Justice Department. The pushback against Donald Trump is happening everywhere he turns and grows ever more effective the more Trump wobbles and weakens.Rachel Maddow looks at how communities around the country are finding ways to prevent Donald Trump from establishing immigration prison camps where they live. From pressuring real estate firms, to speaking out at town council hearings to revoking permits, Kristi Noem's Department of Homeland Security is having a hard time fulfilling Trump's vision of a nationwide system of "processing facilities" to house tens of thousands of immigrants.Mayor Quinton Lucas of Kansas City, Missouri, talks with Rachel Maddow about his city's effort to block the Department of Homeland Security from opening an ICE immigration prison in his community.Donald Trump appears to have overreached in his effort to control the information presented to Americans by arresting journalists. Georgia Fort, an award-winning independent journalist arrested while reporting on a protest at a church in Minnesota, talks with Rachel Maddow about the ordeal of being arrested at home by federal agents, and Donald Trump's efforts to bully, intimidate, and criminalize journalists in an effort to control what Americans are allowed to know. Want more of Rachel? Check out the "Rachel Maddow Presents" feed to listen to all of her chart-topping original podcasts.To listen to all of your favorite MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Department of Homeland Security Secretary Kristi Noem announced Monday that all federal officers in Minneapolis will now wear body cameras. She also said the program would expand nationwide "as funding is available." The push for body cameras is a key Democratic demand to end the partial government shutdown. It also comes on the heels of major concerns over DHS immigration tactics. In January alone, two U.S. citizens were shot and killed by federal immigration agents in Minnesota. Radley Balko has been covering law enforcement misconduct for decades. We spoke to him about how federal immigration enforcement's actions feel different – and what worries him most.And in headlines, Bill and Hillary Clinton agree to testify before Congress about their ties to convicted sex offender Jeffrey Epstein, RFK Jr. announces an initiative to address homelessness and substance abuse in eight unspecified cities, and the Rafah crossing between Gaza and Egypt reopens – potentially offering hope for thousands of Palestinians.Show Notes: Check out Radley's piece – https://tinyurl.com/2s3fcbz8 Call Congress – 202-224-3121 Subscribe to the What A Day Newsletter – https://tinyurl.com/3kk4nyz8 What A Day – YouTube – https://www.youtube.com/@whatadaypodcast Follow us on Instagram – https://www.instagram.com/crookedmedia/
This week on The Broski Report, Fearless Leader Brittany Broski (finally) reacts to Heated Rival, reviews fidget toys, and discusses what's in her travel bag.ICE OUT OF OUR CITY / PROTEST RESOURCES:Script to Contact Your Representatives – 5calls.org ACLU – https://www.aclu.org/know-your-rights/protesters-rights Immigrant Defense Project – https://www.immigrantdefenseproject.org/raids-toolkit Freedom for Immigrants – https://www.freedomforimmigrants.org/resourcesImmigrants Legal Resource Center – https://www.ilrc.org/community-resources/know-your-rights Immigration Justice Campaign – https://immigrationjustice.us/ National Immigrant Justice Center – https://immigrantjustice.org/ MINNESOTA SPECIFIC RESOURCES:Stand With Minnesota Vetted Resource Hub – https://www.standwithminnesota.com/ MPLS Mutual Aid – https://linktr.ee/mplsmutualaid Immigrant Law Center of Minnesota – https://www.ilcm.org/ International Institute of Minnesota – https://iimn.org/ ICE OUT / Mutual Aid – https://linktr.ee/ICEOUTmutualaid Watch The Broski Report AD FREE: https://patreon.com/broskireport The OFFICIAL Songs of The Week Playlist: https://open.spotify.com/playlist/3ULrcEqO2JafGZPeonyuje?si=061c5c0dd4664f01
This week, Chelsea is joined by culture critic and internet oracle Tefi Pessoa (@hellotefi) to take on The Cult of Bad Bunny… a global superstar whose fandom blurs the line between pop icon, political symbol, and cultural lightning rod. We're unpacking why Bad Bunny inspires a level of devotion that feels almost religious, how his gender expression and fluid masculinity have become a flashpoint in our current hyper-conservative moment, and why his very existence seems to short-circuit traditional ideas of power, patriotism, and Latinidad. From parasocial fan entitlement to moral panics disguised as “concern,” we explore how fandom, identity, and backlash collide. Subscribe to Sounds Like A Cult on Youtube!Follow us on IG @soundslikeacultpod, @amanda_montell, @reesaronii, @chelseaxcharles, @imanharirikia. Thank you to our sponsors! Join the loyalty program for renters at https://joinbilt.com/cult To learn more about how to support Minnesota's immigrant communities, check out this MSP Mag article, which shares several ways to offer help or find support. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Donald Trump is making it explicit. In an angry diatribe to a right-wing podcaster, Trump told his usual lies about vote-cheating by undocumented immigrants, but this time he explicitly called on Republicans to “take over the voting.” He also darkly promised something new out of Georgia, where his FBI is investigating an election center. He singled out supposed fraud in Minnesota, lying that he won it three times. And he said he's not backing down in the state. Taken all together, the threat is clear: Trump may try to use federal forces to interfere in the midterms, in part by using ICE to intimidate voters and foment crisis. Notably, this comes as MAGA media figures are loudly calling on Trump to escalate the ICE crackdowns, as Media Matters documents. We talked to reporter Gillian Brockell, who regularly scrutinizes ICE and has a new piece detailing how ICE is getting more cruel. We discuss what Trump can do to interfere in the elections, how far his threats can really get, and how MAGA conceives of ICE as an instrument of authoritarian state terror. Looking for More from the DSR Network? Click Here: https://linktr.ee/deepstateradio Learn more about your ad choices. Visit megaphone.fm/adchoices
Bad Bunny, Billie Eilish, Shaboozey and a Grammy Tsunami Slams ICE and Trump. Danish Veterans March Against Trump. Groundhog Day is VERY 2026. Super Bowl Week Begins.Girl Scout Cookies! This Groundhog Day 2026,Paul emerges from the cold of the weekend like the Puxatawny Phil of news in an episode 431 to barrel into the start of February and off a freezing trip to Philly that reflects a growing, nationwide fury at ICE's abuses. He lays out why he believes ICE's culture is rotten to the core, details ProPublica's naming of the federal agents involved in the killing of Alex Pretti, and explains how expanding warrantless raids from Minnesota to Utah are shredding the Constitution in real time. Paul connects this crackdown to Trump's escalating war on protest and the press, where peaceful protesters are smeared as “domestic terrorists” and “communist insurrectionists” to justify possible use of the Insurrection Act and even active-duty troops against American citizens. The episode also hits Trump's broader assault on the free press, from reports of gagged MAGA-friendly media to relentless attacks on ProPublica, NPR, Jimmy Kimmel, and others, while Paul shares a chilling example of violent threats he receives on Elon Musk's X for speaking out. Abroad, he highlights thousands of Danish veterans marching against Trump in Copenhagen over his disrespect for NATO, Iran's brutal execution of former soccer star Mojtaba Tarshid after protests, the fragile ceasefire and reopened Rafah crossing, and Ukrainians fighting to keep a 51-year-old gorilla named Tony warm amid freezing Russian attacks. Back home, Paul spotlights a political shocker in Texas, where Democrat and Air Force veteran Taylor Remit flipped a deep-red congressional district that Trump carried by 17 points, powered by independents and disaffected Republicans. He uses the upset to explain how independents are surging and are now the decisive needle in American politics, previews a virtual town hall with Open Primaries and independent veteran Senate candidates Ty Pickens and Todd Achilles, and weaves in culture and sports—from the Grammys' anti-ICE tipping point and Bad Bunny's Super Bowl halftime show to Seahawks–Patriots, Knicks magic, and OKC's rise—and closing as always with “Something Good good”. Because every episode of Independent Americans with Paul Rieckhoff breaks down the most important news stories--and offers light to contrast the heat of other politics and news shows. It's independent content for independent Americans. In these trying times especially, Independent Americans is your trusted place for independent news, politics, inspiration and hope. The podcast that helps you stay ahead of the curve--and stay vigilant. -WATCH video of this episode on YouTube now. -Join the Open Primaries Zoom “Independent Veterans are Spoiling for a Fight” -Learn more about Paul's work to elect a new generation of independent leaders with Independent Veterans of America. -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power. -Check the hashtag #LookForTheHelpers. And share yours. -Find us on social media or www.IndependentAmericans.us. -And get cool IA and Righteous hats, t-shirts and other merch now in time for the new year. -Check out other Righteous podcasts like The Firefighters Podcast with Rob Serra, Uncle Montel - The OG of Weed and B Dorm. Independent Americans is powered by veteran-owned and led Righteous Media. And now part of the BLEAV network! Ways to listen: Spotify • Apple Podcasts • Amazon Podcasts Ways to watch: YouTube • Instagram Social channels: X/Twitter • BlueSky • Facebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
In this episode of the Range Podcast, host Ricky Brule discusses the critical situation facing the Boundary Waters Canoe Area Wilderness, emphasizing the need for awareness and action against proposed mining legislation. He also shares personal experiences and upcoming hunting plans, along with updates on new products from Vapor Trail Archery. The Boundary Waters is a national treasure at risk. Mining could displace over 250,000 jobs in Minnesota. Environmental protections are crucial for public lands. The Congressional Review Act is being used in unprecedented ways. Local communities depend on the health of the Boundary Waters. Ricky plans to take his family to the Boundary Waters. Water is essential for life and must be protected. Hunting seasons are approaching, with opportunities in multiple states. New products from Vapor Trail Archery are on the way. The podcast will feature more guests in future episodes. The Range Podcast is available on all major platforms, including Apple Podcasts and Spotify. Video versions can be found on the Vapor Trail YouTube Channel and Wild TV. Enter Promo Code trp15 during checkout at www.vaportrailarchery.com to receive 15% off VTX Bowstrings and Branded Apparel. The Range Podcast is brought to you by Vapor Trail Archery and Stokerized Stabilizers. We are proud to be a part of the @sportsmens_empire network. #podcast #archerypodcast #outdoorpodcast #archery #targetarchery #bowandarrow #bowonly #outdoors #archerylife #compoundbow #publicland #fightforyourright Learn more about your ad choices. Visit megaphone.fm/adchoices
EP. 477 Best to the Nest: Times of Dysregulation We are in a Minnesota state of mind. We are leaning on a bit of advice from former ABC anchor, author, and podcaster, Dan Harris. We hope his advice brings you to the thoughtful place that it brought us. You can find Harris @danharris on Instagram and bunches of other places. Thank you to our sponsor Healing Insight. Founded by Dr. Senia Mae, Healing Insight is a sanctuary for women seeking answers beyond conventional medicine. Senia is a trusted expert with more than eighteen years of experience in acupuncture and functional medicine.Registration for Healing Insight's Optimal Energy Program is open! Use the code BEST and register by February 5, 2026 and save $300. Find out more at https://healinginsightonline.com/.Our Website: https://www.besttothenest.com/On Instagram: https://www.instagram.com/besttothenest?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==Our Facebook Group: https://www.facebook.com/groups/1088997968155776/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Judd and AJ go live to react to the Wild's 4-3 win over Montreal and discuss the play of Quinn Hughes and Kirill Kaprizov, the Olympic break nearly being upon the league, trade options for the Wild, and much more!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
A Seattle councilmember drops an F-bomb in a childish ICE rant press release. Russell Wilson pushes back after being named in Epstein files. Pramila Jayapal pushes to abolish ICE, DHS, and CBP. Dan Bongino slammed the media’s coverage of the Epstein story. Trump makes a reasonable request to the authorities in Minnesota. // LongForm: GUEST: Founder of We Heart Seattle Andrea Suarez says the Emerald City isn't the only town where their help has been requested. // Quick Hit: Whoopi Goldberg says Don Lemon’s arrest is an attack on the free press.
Mike & Nick on the recent arrest of fmr. CNN anchor & journalist Don Lemon, the particulars surrounding the protest he attended at a church and the 1st amendment brushing up against the FACE Act, plus, fmr. federal prosecutor & host of 'At-lyse You Heard It Here' podcast, Alyse Adamson, explains the past month in Minnesota from a legal perspective, and what to make of the recent Epstein files release.Can We Please Talk? is presented by our friends over at Fresh Roasted Coffee LLC. The best tasting coffee is back, along with the best news commentary podcast keeping you informed in 2026! Visit this link - https://lddy.no/1hvgr & use the promo code CANWEPLEASEGET20 for 20% off your first purchase. #coffee #tea And by SeatGeek. Need a night out? SeatGeek has the tickets! Go to seatgeek.com or download the SeatGeek app and use our promo code CANWEPLEASETALK at checkout to get $20 off that ticket purchase and enjoy that night out!Support this show http://supporter.acast.com/can-we-please-talk. Hosted on Acast. See acast.com/privacy for more information.
Tom Homan, President Trump's border czar, traveled to Minneapolis a few days ago with a message: the faster local officials cooperate with federal immigration agents, the faster those agents will leave.Hamed Aleaziz and Ernesto Londoño, New York Times reporters, explain why that kind of cooperation is so difficult to pull off. Guest:Hamed Aleaziz, who covers the Department of Homeland Security and immigration policy in the United States for The New York Times.Ernesto Londoño, a reporter for The New York Times based in Minnesota.Background reading: Can Mr. Homan de-escalate tensions in Minnesota?Minneapolis police officers caught between the Trump administration and city residents face difficult choices.Photo: Jamie Kelter Davis for The New York TimesFor more information on today's episode, visit nytimes.com/thedaily. Transcripts of each episode will be made available by the next workday. Subscribe today at nytimes.com/podcasts or on Apple Podcasts and Spotify. You can also subscribe via your favorite podcast app here https://www.nytimes.com/activate-access/audio?source=podcatcher. For more podcasts and narrated articles, download The New York Times app at nytimes.com/app.
While we're busy busting out of snow-bound homes with our five-pound mattocks, we're also swinging solid advice about duck detectives, the world of shoe-shines, and fancy hand-squished burgers.Suggested Talking Points: A Murder Most Fowl, We Use All Parts of the Joke, Non-American Burgers, Hot Palm on the Griddle, Must Be the FunnyImmigrant Law Center of Minnesota: https://www.ilcm.org/donate/
President Trump issues a blunt warning to anti-ICE agitators after a weekend of nationwide protests turns violent in multiple cities. Don Lemon is released on his own recognizance without entering a plea after his arrest on federal charges tied to a January church riot in Minnesota. A New York jury awards $2 million to a 22-year-old detransitioner in a landmark medical malpractice verdict, finding two doctors liable for approving and performing a double mastectomy when she was just 16 - independent Substack journalist Benjamin Ryan, the only reporter who saw the full trial, joins us for an exclusive interview. Riverbend Ranch: Visit https://riverbendranch.com/ | Use promo code MEGYN for $20 off your first order. PureTalk: Save on wireless with PureTalk—get unlimited talk, text, and data for just $25 a month, plus 50% off your first month at https://PureTalk.com/KELLY Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
In this episode, Allie confronts the growing accusations of “Christian nationalism” against conservative Christians, especially over immigration enforcement and support for ICE, by responding directly to viral posts from progressive Christian figures like Ben Cremer and John Pavlovitz. She defines what Christian nationalism actually is (and isn't), explains why every worldview inevitably shapes law and public policy, and lays out a biblical case for national borders, pro‑life laws, and a Christian view of government. Allie exposes how progressive Christians often conflate the kingdom of God with America, misuse “welcome the stranger” passages to justify open borders, and deploy toxic empathy and inflammatory rhetoric that unfairly paints white evangelicals as the source of America's problems. Progressive Catholics aren't safe either, as Allie highlights Catholicism's social justice problem by examining statements by figures like Pope Leo XIV. This episode is a must‑listen for anyone wrestling with the debate over Christian nationalism, the Anti-ICE riots in Minnesota, abortion, biblical justice, and politics in the church. Buy Allie's book "Toxic Empathy: How Progressives Exploit Christian Compassion": https://www.toxicempathy.com --- Timecodes: (00:00) Intro (03:30) Defining Christian Nationalism (07:58) Faith Influencing Politics and Voting (11:17) Immigration, ICE, and Borders (23:27) Was Jesus an Activist? (28:50) Christian Nationalist Panic (37:41) Abortion & Pro‑Life Theology (51:10) Evangelical and Catholic Debates (59:18) Weak Pastors & Media Outrage Cycles --- Today's Sponsors: Good Ranchers | To support a company that's committed to honoring America's past, present, and future, visit GoodRanchers.com today. And if you subscribe to any Good Ranchers box of 100% American meat, you'll save up to $500 a year! Plus, if you use the code ALLIE, you'll get an additional $25 off your first order. PreBorn | 100% of your donation will go toward saving babies. Will you help us? Just dial #250 and say the keyword BABY. Or donate securely at PreBorn.com/ALLIE. Shopify | Sign up for your $1-per-month trial and start selling today at Shopify.com/ALLIE. We Heart Nutrition | Check out We Heart Nutrition at WeHeartNutrition.com and use the code ALLIE for 20% off. Geviti | Go to GoGeviti.com/Allie and use code ALLIE for 20% off. Taking care of yourself isn't selfish. It's stewardship. --- Episodes you might like: Ep 1295 | The Sad Truth Behind Meghan Trainor's Surrogacy Story https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000747085607 Ep 1271 | A Catholic & Protestant on the Death Penalty, Immigration & Women's Roles | Trent Horn https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000738174696 Ep 1254 | Jubilee Reaction: How to Debate 20 Liberal Christians https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000732041086 Ep 582 | How to Share the Gospel with LGBTQ People | Guest: Becket Cook https://podcasts.apple.com/us/podcast/ep-582-how-to-share-the-gospel-with-lgbtq-people/id1359249098?i=1000554125181 --- Buy Allie's book "You're Not Enough (and That's Okay): Escaping the Toxic Culture of Self-Love": https://www.alliebethstuckey.com Relatable merchandise: Use promo code ALLIE10 for a discount: https://shop.blazemedia.com/collections/allie-stuckey Learn more about your ad choices. Visit megaphone.fm/adchoices
Dave Rubin of "The Rubin Report" talks about Donald Trump's brutal threat to Grammy Awards host Trevor Noah after he made some dark implications about Trump's involvement with Jeffrey Epstein at the Grammys; Billie Eilish humiliating herself with her ignorant comments about ICE and and America being "stolen land" during her Grammys acceptance speech; "Real Time with Bill Maher's" Bill Maher getting his facts corrected about the arrest of Don Lemon for his participation in an anti-ICE protest in a Minnesota church which violated the FACE Act by Marjorie Taylor Greene; Lydia Moynihan humiliating CNN's Abby Phillip by debunking her lies about the arrest of Don Lemon for his participation in an anti-ICE protest in a Minnesota church; Michael Knowles proving to NewsNation's Chris Cuomo why the arrest of Don Lemon for his involvement in an anti-ICE protest in a Minnesota church is wholly justified by the FACE Act; Morgan Freeman calling BS on Don Lemon's blaming wealth inequality on racism; Elon Musk telling Tucker Carlson his radical views that make him so controversial; and much more. WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ---------- Today's Sponsors: Noble Gold Investments - Whether you're looking to roll over an old 401(k) into a Gold IRA or you want physical gold delivered right to your home Noble Gold makes the process simple. Download the free wealth protection kit and open a new qualified account and get a FREE 10-ounce Silver Flag Bar plus a Silver American Eagle Proof Coin. Go to http://DaveRubinGold.com Wild Alaskan - Wild Alaskan Company is the best way to get wild-caught, perfectly portioned nutrient-dense seafood delivered directly to your door. 100% wild-caught: This means there are no antibiotics, GMOs, or additives. Get $35 off your first box of wild-caught, sustainable seafood—delivered right to your door. Go to: https://www.wildalaskan.com/RUBIN Strong Cell - End fatigue, brain fog, constant illnesses, and achy joints with Strong Cell. Improve mental clarity and focus without the jitters or the afternoon crash. Go to: https://strongcell.com and use the code RUBIN to get 20% off your order.
President Trump is still not over the fact that he lost the 2020 presidential election to Joe Biden, which might be why last Wednesday, the FBI executed a search warrant on an election facility in Fulton County, Georgia. Agents seized hundreds of boxes containing ballots and other documents related to the 2020 election. But this raid is just one of many ways the President has challenged the American election system since taking office a year ago. With the midterms just months away, we spoke with Marc Elias, the founder of the voting rights news and election-tracking site Democracy Docket.And in headlines, the government is partially shut down as Congress debates reining in immigration enforcement, the Trump administration does damage control after the latest and largest batch of Epstein files, and the five-year-old boy and father detained by immigration officers in Minnesota have been released.Show Notes: Check out Democracy Docket – www.democracydocket.com/ Call Congress – 202-224-3121 Subscribe to the What A Day Newsletter – https://tinyurl.com/3kk4nyz8 What A Day – YouTube – https://www.youtube.com/@whatadaypodcast Follow us on Instagram – https://www.instagram.com/crookedmedia/ For a transcript of this episode, please visit crooked.com/whataday
TMZ aired the dumbest argument, Eli Zaret joins us with his Bad Boys list, new Epstein files, Bert Kreischer cries on TV again, Whitney Cummings v. Ms. Rachel, Cardi B draws a line at 4 kids in one year for Stefon Diggs, and My Strange Addiction: Breastfeeding. Eli Zaret joins the show to say goodbye to football, preview Super Bowl LX, advertising patches in college sports, Michigan vs MSU basketball, Bill Belichick's Hall of Fame SNUB, Shedeur Sanders in the NFL Pro Bowl games, the ‘bad guys' of Detroit, Draymond Green gets racial, the Detroit Tigers underwhelming offseason, Patrick Kane in the record books, Detroit Pistons dominating the power rankings, and more! We are facing backlash for publishing a video making fun of Bruce Springsteen. ‘Melania' made $7M in theaters this weekend and the Tomameter is off the charts. The latest Epstein dump looks bad for Brett Ratner, Elon Musk, Bill Gates, Donald Trump, Bill Clinton and others. Minnesota play-by-play man Paul Allen is “taking some time off” following a joke about ICE. Drew found a new (new to him) version of The Rolling Stones' Brown Sugar featuring Eric Clapton.We check out this old school SNL sketch with the Rolling Stones that never made the air. Bert Kreischer cries on The Drew Barrymore Show. Bert is no longer a drinking man… due to airplanes. Drew vs cigarettes. Norm Macdonald had the whole thing nailed down. Stefon Diggs had FOUR kids last year. One baby mama, Cardi B, has had enough. Nicki Minaj is all on the Trump train. She's been given a gold card by Donald Trump. Drew Crime: Rutledge Deas IV is a scat freak. Paris Hilton and Lindsay Lohan have reconnected. Kris Jenner is looking good lately… but those hands don't lie. Patricia Azarcoya is leaving Rob Schneider. Womp womp. Former Britney Spears lover, Paul Soliz, has a great tattoo of Osama Bin Laden. Whitney Cummings has to block mean words on her social media. She's currently beefing with Ms. Rachel. My Strange Addiction strikes again. Gary Graff will join us tomorrow. Merch can still be purchased. Click here to see what we have to offer for a limited time. If you'd like to help support the show… consider subscribing to our YouTube Channel, Facebook, Instagram and Twitter (Drew Lane, Marc Fellhauer, Trudi Daniels, Jim Bentley and BranDon)
In a live conversation on YouTube, Lawfare Senior Editor Eric Columbus sat down with Lawfare Senior Editors Anna Bower, Roger Parloff, and Molly Roberts to discuss the FBI search of the election center in Fulton County, the arrest of protestors in Minnesota, including Don Lemon, a decision out of the 9th Circuit regarding temporary protected status for Venezuelans, and more.You can find information on legal challenges to Trump administration actions here. And check out Lawfare's new homepage on the litigation, new Bluesky account, and new WITOAD merch.To receive ad-free podcasts, become a Lawfare Material Supporter at www.patreon.com/lawfare. You can also support Lawfare by making a one-time donation at https://givebutter.com/lawfare-institute.Support this show http://supporter.acast.com/lawfare. Hosted on Acast. See acast.com/privacy for more information.
Liam Ramos and his father were freed from detention in Texas and are now back in Minneapolis. The detention of the boy, photographed wearing a blue bunny-shaped hat, and a Spider-Man backpack sparked a national outcry. Also: The former British Ambassador to Washington, Peter Mandelson, has resigned from the governing Labour Party because he said he does not want to cause further embarrassment by his links to Jeffrey Epstein. He appeared in the latest release of files by the US Department of Justice. Israel has said the Rafah border crossing -- between Gaza and Egypt -- will re-open for Palestinians on Monday. Oil prices fall by three percent in early trading amid signs of a de-escalation in tensions between Iran and the US. Artificial intelligence now has its own social network. And we'll bring you a round up of who won, who lost and who performed on stage at the Grammy Awards in Los Angeles. The Global News Podcast brings you the breaking news you need to hear, as it happens. Listen for the latest headlines and current affairs from around the world. Politics, economics, climate, business, technology, health – we cover it all with expert analysis and insight.Get the news that matters, delivered twice a day on weekdays and daily at weekends, plus special bonus episodes reacting to urgent breaking stories. Follow or subscribe now and never miss a moment.Get in touch: globalpodcast@bbc.co.uk
Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe [CB] are trying to fight back, Trump continues to counter them by using tariffs. They will never learn. Blue states are feeling the economic pain, they are following the globalist plan and they will fail. Trump is changing the economic calculations. Inflation is below 1%. Trump nominates Kevin Warsh to restructure the Fed. The [DS] is panicking. They tried to trap Trump in the Epstein files, that did not work, the other part of the plan is to muddy the waters but this also failed. Trump is now preparing for mass round ups across the country. DHS is purchasing warehouses to hold the illegals. Trump is leading the [DS] down the path of no return. The insurrection is coming and Trump is preparing the counterinsurgency. Economy through this very same certification process. If, for any reason, this situation is not immediately corrected, I am going to charge Canada a 50% Tariff on any and all Aircraft sold into the United States of America. Thank you for your attention to this matter! DONALD J. TRUMP PRESIDENT OF THE UNITED STATES OF AMERICA (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/DC_Draino/status/2016988052317409756?s=20 like he did in my First Term. I am confident that Brett has the expertise to QUICKLY fix the long history of issues at the BLS on behalf of the American People. Brett Matsumoto is a Brilliant, Reputable, and Trusted Economist who will restore GREATNESS to the Bureau of Labor Statistics. Congratulations Brett! https://twitter.com/USTradeRep/status/2017747044350280104?s=20 extensive research in the field of Economics and Finance. Kevin issued an Independent Report to the Bank of England proposing reforms in the conduct of Monetary Policy in the United Kingdom. Parliament adopted the Report’s recommendations. Kevin Warsh became the youngest Fed Governor, ever, at 35, and served as a Member of the Board of Governors of the Federal Reserve System from 2006 until 2011, as the Federal Reserve’s Representative to the Group of Twenty (G-20), and as the Board’s Emissary to the Emerging and Advanced Economies in Asia. In addition, he was Administrative Governor, managing and overseeing the Board’s operations, personnel, and financial performance. Prior to his appointment to the Board, from 2002 until 2006, Kevin served as Special Assistant to the President for Economic Policy, and Executive Secretary of the White House National Economic Council. Previously, Kevin was a member of the Mergers & Acquisitions Department at Morgan Stanley & Co., in New York, serving as Vice President and Executive Director. I have known Kevin for a long period of time, and have no doubt that he will go down as one of the GREAT Fed Chairmen, maybe the best. On top of everything else, he is “central casting,” and he will never let you down. Congratulations Kevin! PRESIDENT DONALD J. TRUMP Warsh has compared Bitcoin favorably to gold as a “sustainable store of value,” indicating a positive view of gold’s role in the financial system. However, his nomination led to sharp declines in gold and silver prices (e.g., silver fell up to 26% in one day), as markets interpreted him as an inflation hawk who might pursue tighter monetary policy, reducing the appeal of precious metals as inflation hedges. This reaction stemmed from fears of less dovish Fed actions, which had previously driven gold’s rally amid uncertainty over Fed independence. Warsh’s broader hawkish stance on inflation aligns with “hard money” principles that could indirectly support gold, but his emphasis on shrinking the Fed’s balance sheet and normalizing policy suggests he prioritizes institutional reform over promoting gold as a standard. Is Kevin Warsh Pro-Sound Money?Yes, Warsh is a strong advocate for sound money principles, emphasizing disciplined, anti-inflationary monetary policy. He views inflation as a “monetary phenomenon” and “a choice” driven by excessive government printing and spending. As a former Fed Governor, he was often the most hawkish voice, opposing aggressive rate cuts during crises due to inflation risks. He criticizes the Fed’s “mission creep,” oversized balance sheet, and reliance on quantitative easing (QE), arguing these enable fiscal irresponsibility and distort markets. Warsh calls for “regime change” at the Fed, shifting away from Keynesian models toward rules-based policy that incorporates money supply considerations and reduces interventionism. He stresses credibility, clear rules, and accountability to maintain sound money. In a 2025 Hoover Institution paper, he advocated scrutinizing monetary policy under a framework that could include constitutional measures for prosperity and idea diffusion. Warsh has been vocal against Powell’s leadership, echoing Trump’s frustrations with high interest rates and calling for “regime change” at the Fed. He has moderated his hawkish stance to support lower rates, arguing AI-driven productivity allows growth without inflation. Credibility and Market Reassurance: Warsh is seen as a “traditional” pick with Fed experience, reassuring investors amid fears of a loyalist appointment that could undermine independence. Trump highlighted Warsh’s ability to deliver lower rates and growth, though some economists note Warsh’s independence could lead to tensions if he prioritizes data over demands. Analysts suggest the pick balances Trump’s desire for cuts with a credible figure. Political/Rights https://twitter.com/EndWokeness/status/2017774819823984722?s=20 Trump Administration Begins Suing Illegal Migrants Who Have Not Self-Deported The Trump administration has begun suing individual illegal migrants for ignoring removal orders and refusing to self-deport back to their home countries, a report says. The administration has filed suit against an illegal migrant living in Virginia, and is seeking $941,114 plus interest, alleging that Marta Alicia Ramirez Veliz has remained in the country despite being told her request for admittance was rejected by a Justice Department appeals panel in 2022, Politico reported. The filing notes that Veliz has refused to pay a $998 per-day fine for the 943 days since she was told to return to her home country, and reveals that Immigration and Customs Enforcement sent her an official notice of her total fine in April. The lawsuit describes Veliz as “an individual and noncitizen residing in Chesterfield County, Virginia,” and does not identify her nationality. source: breitbart.com https://twitter.com/KanekoaTheGreat/status/2017404446230323358?s=20 BREAKING: Disturbing photos in the Epstein files appear to show Prince Andrew on all fours over a woman lying on the ground. https://twitter.com/HansMahncke/status/2017792445979791448?s=20 for everyone, or is connected through some opaque web of professional and personal ties. A supposedly random figure from the squalor of Uganda rises all the way to mayor of New York, only for it to later emerge that his mother is deeply embedded in elite circles. The same pattern shows up again and again. James Comey's daughter just happened to be a lead federal prosecutor on the Epstein case. The judge who presided over the trial of Hillary Clinton's lawyer, the one who helped seed the Russiagate hoax, is married to Lisa Page's lawyer. Page, of course, was involved with Peter Strzok, who is one of the central figures in that same hoax. And to complete the circle, Merrick Garland officiated their wedding. None of this requires conspiracy theories. It requires only acknowledging how small, closed, and self-protecting these elite worlds are. Fix elite incestuousness, and a lot of other problems will disappear on their own. https://twitter.com/KanekoaTheGreat/status/2017734119334232544?s=20 https://twitter.com/KanekoaTheGreat/status/2017474860700877105?s=20 https://twitter.com/CynicalPublius/status/2017762585878069630?s=20 https://twitter.com/KanekoaTheGreat/status/2017694490614763591?s=20 written from Nikolic's perspective. At the time, Nikolic was Gates's top scientific investment advisor. The emails suggest Gates was firing Nikolic in response to marital problems with Melinda. In June 2013, Nikolic emailed Gates and asked if he wanted to go to the “legendary Crazy Horse in Paris” an erotic show, while they were in France. Gates declined, saying he would be too tired and didn't want to take the risk, adding that he might have done it when he was younger. On July 1, 2013, Gates emailed Nikolic: “We should meet on Wednesday to discuss your job. There is going to have to be a transition. I feel very bad about it but I don’t see a way around it.” Nikolic shared these emails with Epstein. Epstein later commented on the Paris erotic show email, writing: “This is pretty bad and might have been the cause of her bad mail in paris.”—apparently referring to Melinda. Nikolic appeared unhappy about being fired while potentially being used as a scapegoat, and he sought greater financial compensation as he prepared to leave and launch his own investment fund. In these emails, Epstein—writing as Nikolic—references alleged knowledge of Gates's extramarital affairs, STDs allegedly contracted from Russian women, and drug use as justification for why Nikolic deserved more money. Taken together, it appears Jeffrey Epstein was drafting or shaping a message for Boris Nikolic that effectively functioned as blackmail, pressuring Bill Gates for financial compensation. It remains unclear whether Nikolic ultimately sent these messages to Gates. However, later emails suggest Gates helped Nikolic launch his next investment fund and maintained a working relationship with him afterward. Epstein later listed Nikolic as a backup executor of his will, indicating the two were close confidants. https://twitter.com/Breaking911/status/2017769194159210784?s=20 Billionaire Reid Hoffman, Who Bankrolled the E. Jean Carroll Lawsuit Against Trump, Is Featured Extensively in the New Epstein Files, Visiting Zorro Ranch and Pedophile Island Hoffman went to the Island. A man who used his fortune to bankroll a lawsuit against President Donald J. Trump is now featured extensively in the new DOJ-released Jeffrey Epstein documents. The three and a half million documents from the latest – and apparently last – have been released by the DOJ following the approval of the House Resolution 4405, the Epstein Files Transparency Act. Documents from this massive release show the close ties between LinkedIn co-founder Reid Hoffman and the late pedophile. The pair ‘discusses visits to Epstein's infamous private island, his New Mexico ranch, and his New York apartment'. The New York Post reported: “'Reid will spend the night at 71st', according to one email from Hoffman's team included in the latest Justice Department dump of Epstein files, in reference to his Upper East Side townhouse.” A 2014 memo states that Epstein hosted will have (venture capitalist) Joi Ito and Reid Hoffman on the infamous Zorro Ranch for a weekend. “An email Epstein penned to his assistant Saida Sapieva under the heading ‘Trip to the Island' states: ‘Reid will take a Virgin America Flight from SFO to Fort Lauderdale, departing at 8:20 am, landing at 4:40 pm'. In 2023, Hoffman visited to Epstein's former Caribbean private island, Little St. James, also known as ‘pedophile island', The Post previously reported.” Source: thegatewaypundit.com https://twitter.com/elonmusk/status/2017106848311366064?s=20 https://twitter.com/MikeBenzCyber/status/2017789344103145647?s=20 https://twitter.com/MikeBenzCyber/status/2017772724093849926?s=20 https://twitter.com/elonmusk/status/2017930408650772495?s=20 https://twitter.com/Cernovich/status/2017329765863039432?s=20 Israel had Trump by the balls so much that… Epstein was arrested? Ghislaine Maxwell was arrested? Jean Luc Brunel was arrested? Les Wexner stepped down? NXIVM sex cult ended? And now we're getting those files? These people don't think very hard https://twitter.com/JD_Cashless/status/2017349780922408973?s=20 https://twitter.com/TaraBunner2/status/2017619821634977889?s=20 https://twitter.com/Jordan_Sather_/status/2017399510809645263?s=20 https://twitter.com/TheStormRedux/status/2017789280693735748?s=20 politically. “I didn't see it myself but I was told by some very important people that not only does it absolve me, it's the opposite of what people were hoping – you know, the radical left. Wolff, who's a 3rd rate writer, was conspiring with Jeffrey Epstein to hurt me politically or otherwise…” Don't fall for all the clickbait doomers pushing the anti-Trump narratives. It's all bullshit. Lots of people not looking good though after today's release. Will be interesting to see how this plays out. To muddy the waters is an idiom that means to make a situation, issue, or discussion more confusing, unclear, or complicated—often deliberately. For example: “The politician’s vague statements only muddied the waters during the debate.” It originates from the idea of stirring up mud in water, making it murky and hard to see through. DOGE Geopolitical War/Peace Iran Hits Back At EU: Designates European Armies As ‘Terrorist Entities’ Iran is saying two can play at the West’s game: on Friday the secretary of Iran’s Supreme National Security Council blasted the EU’s decision to designate the Islamic Revolutionary Guard Corps (IRGC) as a “terrorist organization,” warning that Europe’s own militaries would now be viewed through the same lens. “The European Union certainly knows that… the armies of countries that have participated in the European Union’s recent resolution against the Islamic Revolutionary Guard Corps are considered terrorist entities,” Ali Larijani wrote in a post on X. He added bluntly: “Therefore, the consequences of that shall be borne by the European countries that undertook such an action.” However, there’s probably nothing in the way of European military assets for the Islamic Republic to sanction, so this ‘action’ by Tehran will remain largely symbolic. Iran does have assets held in various places of Europe though. EU foreign ministers agreed on Thursday to formally classify the IRGC as a “terrorist organization” and urged member states to implement the designation without delay – after a few longtime holdouts flipped. source: zerohedge.com [DS] Agenda https://twitter.com/rhodeislander/status/2017361344018739231?s=20 https://twitter.com/nicksortor/status/2017331445195211254?s=20 at Place of Worship COUNT 2: 18 U.S.C. § 248(a) (b), § §2(a) – FACE Act: Injure, Intimidate, and Interfere with Exercise of Right of Religious Freedom at a Place of Worship. Full indictment in replies. https://twitter.com/amuse/status/2017755569097003394?s=20 https://twitter.com/RapidResponse47/status/2017426372860190991?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2017426372860190991%7Ctwgr%5Efafd5c6b893c0c4815868b0fd8490482712f780e%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.breitbart.com%2Ft%2Fassets%2Fhtml%2Ftweet-5.html2017426372860190991 Maxine Waters Incites Violent Leftist Rioters in Los Angeles – Threatens ICE, “We're Going to Fight You Every Inch of the Way” (VIDEOS) Far-left Rep. Maxine Waters (D-CA) was in Los Angeles on Friday, inciting her radical left followers to riot against law enforcement before several were arrested. Rioters were seen hurling objects at shielded federal agents who pushed back with pepper balls and nonlethal munitions. Via ABC 7: Anti-ICE Rioters Clash with Federal Agents and Local Police Outside Los Angeles ICE Facility Eventually, the rioters moved a dumpster toward the entrance of the ICE detention facility and set it ablaze. Over 100 Los Angeles Police officers reportedly responded in riot gear to quell the violence. Multiple videos circulating on social media show Maxine Waters at the front lines of the riot as leftists were told to disperse for surrounding the federal building, trespassing on federal property, and later assaulting federal officers. After pepper spray was deployed, Waters returned to the front of the riot with a mask and continued leading the insurrection. Waters was seen pulling up to the scene early in the day in a black SUV before stepping out to rally her troops, flailing her arms and leading chants of “ICE Out of LA.” Source: thegatewaypundit.com https://twitter.com/DOGEai_tx/status/2017736355665641700?s=20 Martinez's gang alliance pitch isn't just reckless; it's a calculated distraction from ICE's indiscriminate sweeps that tear families apart over paperwork. Federal law requires deportation for specific crimes, yet bureaucrats weaponize broad mandates to meet quotas. The solution? Enforce existing laws precisely, stop manufacturing crises, and end the performative politics that put both officers and communities at risk. President Trump's Plan https://twitter.com/EricLDaugh/status/2017769322723082564?s=20 constitutional dike, It is so ORDERED” – “Feb. 31” doesn’t exist – LinkedIn shows he liked a TDS post about ICE today – Includes a photo of the kid in the order – Unprofessionally antagonistic language WTF?! This is a JUDGE?! @ElonMusk and @NayibBukele were right all along. We can’t have a saved republic until we mass impeach the courts. H/t @BillMelugin_ https://twitter.com/ElectionWiz/status/2017574838143959310?s=20 https://twitter.com/nicksortor/status/2017636699157811696?s=20 one of the safest cities in America – Likewise, numerous other once very dangerous cities! Republicans, don't let these Crooked Democrats, who are stealing Billions of Dollars from Minnesota, and other Cities and States from all over the Country, push you around. They are using this aggressive protest SCAM to obfuscate, camouflage, and hide their CRIMINAL ACTS of theft and insurrection. They should all be in jail. I was elected on Strong Borders, and Law and Order, among many other things. Thank you to Secretary Kristi Noem. Remember, ELECTIONS HAVE CONSEQUENCES!!! PRESIDENT DONALD J. TRUMP Federal Government Property. There will be no spitting in the faces of our Officers, there will be no punching or kicking the headlights of our cars, and there will be no rock or brick throwing at our vehicles, or at our Patriot Warriors. If there is, those people will suffer an equal, or more, consequence. In the meantime, by copy of this Statement, I am informing Local Governments, as I did in Los Angeles when they were rioting at the end of the Biden Term, that you must protect your own State and Local Property. In addition, it is your obligation to also protect our Federal Property, Buildings, Parks, and everything else. We are there to protect Federal Property, only as a back up, in that it is Local and State Responsibility to do so. Last night in Eugene, Oregon, these criminals broke into a Federal Building, and did great damage, also scaring and harassing the hardworking employees. Local Police did nothing in order to stop it. We will not let that happen anymore! If Local Governments are unable to handle the Insurrectionists, Agitators, and Anarchists, we will immediately go to the location where such help is requested, and take care of the situation very easily and methodically, just as we did the Los Angeles Riots one year ago, where the Police Chief said that, “We couldn't have done it without the help of the Federal Government.” Therefore, to all complaining Local Governments, Governors, and Mayors, let us know when you are ready, and we will be there — But, before we do so, you must use the word, “PLEASE.” Remember that I stated, in the strongest of language, to BEWARE — ICE, Border Patrol or, if necessary, our Military, will be extremely powerful and tough in the protection of our Federal Property. We will not allow our Courthouses, Federal Buildings, or anything else under our protection, to be damaged in any way, shape, or form. I was elected on a Policy of Border Control (which has now been perfected!), National Security, and LAW AND ORDER — That's what America wants, and that's what America is getting! Thank you for your attention to this matter. PRESIDENT DONALD J. TRUMP he will use DHS/ICE and, if necessary, the US MIL to protect federal property. It sounds like Trump knows something is coming. It sounds like the Dems want DHS/ICE to get caught up in policing these riots, hoping more of their deranged followers take it too far and get shot. Trump is instead going to hold and force local Democrat politicians to police their own riots, or agree to work with him. And if the Dems choose to not police these riots, they will force Trump to use the US MIL to suppress the chaos. https://twitter.com/unseen1_unseen/status/2017334056292143173?s=20 https://twitter.com/StephenM/status/2017585812599087241?s=20 EXCLUSIVE: Atlanta Field Office Special Agent in Charge Allegedly Removed For Slow-Walking Election Fraud Investigation Reports are emerging on social media that Paul Brown, the FBI Special Agent in Charge at the Atlanta Field Office, was “forced out of that job earlier this month,” according to MSNOW's Ken Dilanian. According to MSNOW, Brown “was forced out this month after questioning the Justice Department's renewed push to probe Fulton County's role in the 2020 election” after “expressing concern” about “unsubstantiated allegations of voter fraud” in Fulton County. Source: thegatewaypundit.com https://twitter.com/TheStormRedux/status/2017632517596045581?s=20 of evidence that the judge authorized us to collect. And what we're gonna do next is go through the voluminous amounts of information collected and continue our investigation. At this point there's not much more I can say publicly because we have to go through a lot more material. But it was predicated on a finding of probable cause by a judge in Georgia.” Time for people to go to jail! We all watched it stolen in real time, and we're all still pissed off about it! https://twitter.com/TheStormRedux/status/2017201516768026738?s=20 the election safe, and she's done a very good job. And as you know, they got into the votes. You've got a signed judges order in Georgia and you're gonna see some interesting things happening.” We've waited a long time for this. Let's get it. https://twitter.com/JoeLang51440671/status/2017668286196932654?s=20 https://twitter.com/Rasmussen_Poll/status/2017631484908024035?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");
In this installment, Dan and Jordan check in to see how Tucker has been covering the ICE activity in Minnesota and find content that could accurately be described as a modern day George Wallace rally.
Monday, February 2nd, 2026Today, Propublica has identified the two CBP agents that murdered Alex Pretti - Jesus Ochoa and Raymundo Gutierrez; the DOJ released their final and incomplete production of the Epstein Files; every single Senate Democrat and two Republicans voted to defund ICE but Republicans blocked the amendment; ICE has expanded their power to arrest people without warrants; four Black independent journalists were arrested for covering a church protest; Bovino mocked a prosecutor's Jewish faith during a call with lawyers; ICE shattered someone's skull and then told the hospital they did it to themselves; massive peaceful protests erupted across the country against ICE and Customs and Border Protection; the top FBI agent in Atlanta has been sacked after refusing to go along with the Fulton County election office raid; a Texas Democrat who was outspent 20 to 1 has flipped the District 9 State Senate seat with a 30 point swing in a stunning upset; five year old Liam Ramos and his father have been released from the Dilley concentration camp and are back home in Minneapolis; and Allison and Dana deliver your Good News.Thank You, Daily LookTo get 6 bottles of wine for $39.99, head to nakedwines.com/DAILYBEANS and use code DAILYBEANS for both the code and password.Thank You, HomeChefFor a limited time, get 50% off and free shipping for your first box PLUS free dessert for life! HomeChef.com/DAILYBEANS. Must be an active subscriber to receive free dessert.Guest: Asha RangappaThe Freedom Academy with Asha Rangappa | SubstackIt's Complicated - YouTube@asharangappa.bsky.social on BlueskyWill Trump Send the Military to Seize Voting Machines? The LatestBREAKING: EXCLUSIVE: Epstein Files Tipster Tells Me About Her Friend Being Trafficked to Epstein Through Trump Modeling AgencyStoriesTwo CBP Agents Identified in Alex Pretti Shooting | ProPublicaHere's What to Know About the Millions of Pages of Epstein Documents | The New York TimesICE Expands Power of Agents to Arrest People Without Warrants | The New York TimesDon Lemon arrested after covering protest at Minnesota church | NBC NewsTakeaways from AP report on ICE claims that immigrant shattered his skull running into wall | AP NewsBovino Is Said to Have Mocked Prosecutor's Jewish Faith on Call With Lawyers | The New York TimesAtlanta FBI boss ousted after balking at 2020 election probe | MSNOWPartial government shutdown begins as funding lapses despite Senate deal |CBS NewsProtesters take to streets in U.S. to decry ICE tactics in Minneapolis | The Washington PostDemocrat Taylor Rehmet wins solidly red Texas Senate seat in stunning special election upset | Texas TribunePreschooler Liam Ramos and father land in Minneapolis after being released from immigration detention | CNNGood TroubleHow to Film ICE | WIRED→Standwithminnesota.com→Tell Congress Ice out Now | Indivisible→Defund ICE (UPDATED 1/21) - HOUSE VOTE THURSDAY→Congress: Divest From ICE and CBP | ACLU→ICE List →iceout.org→2026 Trans Girl Scouts To Order Cookies From! | Erin in the MorningGood NewsAdopt Justin (Texas)The Visibility BrigadeProject For AwesomeTour — DANA GOLDBERG→Go To Good News & Good Trouble - The Daily Beans to Share YoursSubscribe to the MSW YouTube Channel - MSW Media - YouTubeOur Donation LinksPathways to Citizenship link to MATCH Allison's Donationhttps://crm.bloomerang.co/HostedDonation?ApiKey=pub_86ff5236-dd26-11ec-b5ee-066e3d38bc77&WidgetId=6388736Allison is donating $20K to It Gets Better and inviting you to help match her donations. Your support makes this work possible, Daily Beans fam. Donate to It Gets Better / The Daily Beans FundraiserJoin Dana and The Daily Beans with a MATCHED Donation http://onecau.se/_ekes71More Donation LinksNational Security Counselors - Donate
It was a tumultuous week on the streets and in the courts, with panelists Kristen Holmes, Juliette Kayyem, and Josh Marshall joining Harry to break it all down. ICE's reign of terror in Minnesota continues, even as top Trump officials sing a softer tune after nationwide outrage over the death of Alex Pretti. The panel marches through the latest fallout from Pretti's killing, as well as the newest attempts by the DOJ to advance Trump's agenda elsewhere, from the arrest of Don Lemon to the shocking raid on a Georgia election office. Mentioned in this episode: Kristen's reporting: https://www.cnn.com/profiles/kristen-holmes-bio Juliette's writing in the Atlantic: https://www.theatlantic.com/author/juliette-kayyem/ Josh's analysis: https://talkingpointsmemo.com/author/josh_m Also, check out some big changes coming to the Talking Feds Substack: https://harrylitman.substack.com/p/big-changes-for-the-talking-feds Learn more about your ad choices. Visit megaphone.fm/adchoices
It's time for First Take. On a landmark anniversary, the stars were on the floor — and this morning, we're not holding anything back. The players have arrived, the energy is building, but one HUGE question still hangs over the Patriots — and we've got the answer. Plus, Justin Jefferson steps up and says what everyone's been thinking. The real debate? What does he believe about his own future in football — and should the league be paying attention? Learn more about your ad choices. Visit podcastchoices.com/adchoices
Melissa, Kate, and Leah break down the various legal cases arising from ICE's occupation of Minnesota, including a bid to end DHS's Operation Metro Surge and a case from citizens seeking to block the abusive use of tear gas and pepper spray. Then, the hosts welcome Crooked's Tommy Vietor to talk about all things foreign policy: Trump's blatant disdain for international law, the so-called “DonRoe Doctrine,” the President's wildly incoherent and pointless tariffs, and why Trump's claim that he's ended eight wars is beyond laughable. Finally, a deeply concerning FBI raid on the Fulton County elections office supervised by Hawaii's least favorite daughter, Tulsi Gabbard.Favorite things: Leah: Streets Of Minneapolis, Bruce Springsteen; The Blood-and-Soil Nationalism That Killed Alex Pretti and Renee Good, Ta-Nehisi Coates (Vanity Fair); Minnesota Proved MAGA Wrong, Adam Serwer (The Atlantic); Chris Hayes' reporting from MN Kate: This May Be the Only Path to Accountability for the Minneapolis Shootings, Barry Friedman and Stephen I. Vladeck (NYT); Who Gave ICE Permission to Trample the Constitution? Amicus (Slate); JVN Hair; Migrations, Charlotte McConaghy Melissa: His and Hers, Reality Check: Inside America's Next Top Model (Netflix); King of the North Martin Luther King Jr.'s Life of Struggle Outside the South, Jeanne Theoharis Get tickets for STRICT SCRUTINY LIVE – The Bad Decisions Tour 2026! 3/6/26 – San Francisco 3/7/26 – Los Angeles Learn more: http://crooked.com/eventsPreorder Melissa's book, The U.S. Constitution: A Comprehensive and Annotated Guide for the Modern ReaderBuy Leah's book, Lawless: How the Supreme Court Runs on Conservative Grievance, Fringe Theories, and Bad VibesFollow us on Instagram, Threads, and Bluesky
In breaking news, the Chief Judge of Minnesota federal courts patience has worn thin with ICE, as he notes in a new order that “ICE has likely violated more court orders in January 2026 than some federal agencies have violated in their entire existence” cataloguing more than 96 violations by ICE and the DOJ in the last 30 days, and threatening to hold someone in contempt if it happens one more time. Popok reports. Freedom from Religion Foundation: Go to https://FFRF.US/NewYear or text "LEGALAF to 511511 today. Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast Cult Conversations: The Influence Continuum with Dr. Steve Hassan: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Learn more about your ad choices. Visit megaphone.fm/adchoices
Listen to the rest of this premium episode by subscribing at patreon.com/knowyourenemy.The shocking execution of Alex Pretti occurred after we recorded our last episode for subscribers about Minneapolis, and so the city and its people have remained in our thoughts in a special way. To help us understand what's happening on the ground there, we talked to our friend Lydia Polgreen, who grew up in Minneapolis and traveled there to report on the situation for the New York Times. Topics include: how Lydia approached her reporting in Minneapolis; the way the resistance and response to ICE/BP has drawn on networks forged during the George Floyd protests; the ordinary Minnesotans acting with bravery and courage; the "civil war" she glimpsed on the streets of Minneapolis; original sin and democracy; and more.Previous episodes referenced: "The Donroe Doctrine" (Jan 26, 2026); "The Killing of Renee Good" (Jan 19, 2026)Sources:Lydia Polgreen, David French, & Michelle Goldberg, "'Noem Needs to Go': Three Columnists on ICE in Minneapolis," New York Times, Jan 26, 2026Lydia Polgreen, "In Minneapolis, I Glimpsed a Civil War," New York Times, Jan 19, 2026— "Trump's One Small Trick to Destroy American Democracy," New York Times, Jan 9, 2026Garry Wills, The Second Civil War: Arming for Armageddon (1968)Emily Witt, "The Battle for Minneapolis," The New Yorker, Jan 25, 2026
The potential for additional strikes by the United States in Iran, a speech by Canadian Prime Minister Mark Carney denouncing the United States, and the rising tensions in Minneapolis, Minnesota. Dr. Larry P. Arnn, president of Hillsdale College, joins Hugh Hewitt on the Hillsdale Dialogues. Release date: 30 January 2026See omnystudio.com/listener for privacy information.
Headlines: – Welcome To Mo News – Groundhog Day (02:00) – Federal Judge Allows Trump Admin Minnesota Crackdown To Continue (06:30) – 5-Year-Old Detained By ICE Agents Released Along With Father After Ruling (10:20) – Details: Millions Of Additional Jeffrey Epstein Files Released (18:15) – Partial Govt. Shutdown Expected To Continue Briefly (31:30) – Trump Weighs Iran Strikes As ‘Armada' Arrives To Middle East (34:00) – Remembering Actress Catherine O'Hara, Dead At 71 (37:15) – Grammy Highlights: Winners, Moments & Records Broken (40:45) – On This Day In History (46:00) Thanks To Our Sponsors: – Industrious - Coworking office. 50% off day pass | Code: MONEWS50 – Incogni - 60% off an annual plan| Code: MONEWS – Monarch - 50% off your first year | Code: MONEWS – Factor - 50% off your first box | Code: monews50off – ShipStation - Try for free for 60 days | Code: MONEWS
As the killing of Minnesota resident Alex Pretti by federal immigration agents has sparked fresh outrage in the state and across the country, some lawmakers have pushed back on the Trump administration's explanation for DHS's aggressive tactics and called for an independent investigation. Correspondent Scott Pelley interviews Sen. Rand Paul, chairman of the Senate's Homeland Security Committee, who summoned top DHS immigration officials to testify later this month. Pelley also speaks with former Justice Department and DHS investigators about the state of the federal probe. Leading up to Artemis II – NASA's first human mission to the Moon in more than 50 years - correspondent Bill Whitaker reports from Kennedy Space Center in Florida on this critical step forward in American space exploration. Whitaker interviews the four astronauts who will embark on the 10-day mission, which could pave the way for a sustained presence on the Moon and lay the groundwork for future missions to Mars. If you think America's top laugh factories are only in New York, Chicago, and LA, think again. Reporting from Amsterdam, correspondent Jon Wertheim takes us inside Boom Chicago, an English-language improv theater founded in the early '90s by two American comics. What sounded like a punchline became a pipeline, launching future stars like Seth Meyers, Jordan Peele, Amber Ruffin, Brendan Hunt and Jason Sudeikis. At a moment when American comedy feels under siege, this beloved Dutch theater keeps proving that funny survives—and travels. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
The news to know for Monday, February 2, 2026! We're talking about the FBI's reversal on Alex Pretti's killing, and what's next for the five-year-old boy who was detained by ICE in Minnesota. Also, a few of the famous, powerful men mentioned in the new batch of Epstein Files. And when a partial government shutdown is expected to come to an end. Plus, where nearly two feet of snow fell over the weekend, why the Kennedy Center is set for a years-long closure, and who made history at last night's Grammy Awards. Those stories and even more news to know in about 10 minutes! Join us every Mon-Fri for more daily news roundups! See sources: https://www.theNewsWorthy.com/shownotes Become an INSIDER to get AD-FREE episodes here: https://www.theNewsWorthy.com/insider Get The NewsWorthy MERCH here: https://thenewsworthy.dashery.com/ Sponsors: Wildgrain is offering our listeners $30 off your first box - PLUS free Croissants for life - when you go to Wildgrain.com/NEWSWORTHY to start your subscription today. Refresh your wardrobe with Quince. Go to Quince.com/newsworthy for free shipping on your order and 365-day returns. To advertise on our podcast, please reach out to ad-sales@libsyn.com
From 02/02 Hour 3: The Sports Junkies react to Minnesota firing Kwesi Adofo-Mensah.
This time John's monologue is about The Justice Dept releasing millions more pages related to Jeffrey Epstein, revealing more casual ties to Trump and Trumpworld goons like Howard Lutnick and Elon Musk, who both denied having any involvement with Epstein in the decade before his death. He also talks about Don Lemon and Georgia Fort who were the two journalists arrested for covering an anti-ICE protest at a St. Paul, MN church. Then John welcomes 2 guests:Rep. Aisha Gomez who is an an organizer, an environmentalist, a public servant, and a mom. She represents legislative district 62a in the Minnesota House of Representatives, which includes parts of south Minneapolis in Hennepin County, Minnesota, bisected by Interstate 35W. They discuss the push-back in the communities where ICE agents have focused their terror campaign and where Renee Good and Alex Pretti lost their lives.TV's Frank Conniff is a comedy writer and performer who began his TV career writing for the Peabody Award winning Comedy Central series Mystery Science Theater 3000, where he also played TV's Frank. He then went on to be a writer, producer and actor on the ABC TV series Sabrina the Teenage Witch and he was a writer and producer on The Drew Carey Show on ABC. He's a prolific author and comedian and his books and Mads Are Back shows are available at Dumb Dash Industries Dot Com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Everyone knows that excessive smartphone use can be harmful. But the question we don't ask enough is what the advantages are of not using these devices. In the ideas segment, Cal examines the testimonials of four subjects who spent significant time without phones, to learn what they actually experience. Then, in the practices segment, he dissects the latest viral online self-help sensation to see if it holds up or is just fluff. Finally, in the Q&A segment, he tackles a surprising (and distressing) way in which technology plays a role in the violent ICE raids happening in Minnesota.Below are the questions covered in today's episode (with their timestamps). Get your questions answered by Cal! Here's the link: bit.ly/3U3sTvoVideo from today's episode: youtube.com/calnewportmediaIDEAS SEGMENT: What (Really) Happens When You Ditch Your Smartphone? [3:07]PRACTICES SEGMENT: Assessing the Internet's Latest Self-Help Sensation [31:53]QUESTIONS:What do the ICE raids in Minnesota teach us about technology and its impacts on our society? [53:17]WHAT CAL'S READING: Cal gives his weekly reading update [1:08:17]The Animated Man: A Life of Walt Disney (Michael Barrier)Links:Buy Cal's latest book, “Slow Productivity” at [calnewport.com/slow](https://www.calnewport.com/slowGet a signed copy of Cal's “Slow Productivity” at peoplesbooktakoma.com/event/cal-newport/Cal's monthly book directory: bramses.notion.site/059db2641def4a88988b4d2cee4657ba?youtube.com/watch?v=kzXOyW8Zumgyoutube.com/watch?v=gh5CYvi5E40youtube.com/watch?v=C-Iewo7zUFoyoutube.com/watch?v=5FI1gP_K5K0youtube.com/watch?v=FshYuO6Opwkx.com/thedankoe/status/2010751592346030461prospect.org/2026/01/27/ice-greg-bovino-minneapolis-one-battle-after-another-sean-penn/youtube.com/watch?v=elF0YmsCHvQThanks to our Sponsors: This episode is sponsored by Better Help:betterhelp.com/deepquestionrag-bone.com (Use code “DEEP”)calderalab.com/deepshopify.com/deepThanks to Jesse Miller for production, Jay Kerstens for the intro music, and Mark Miles for mastering. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
As the nation absorbed the shock of Alex Pretti's killing in Minneapolis, the state of Minnesota argued in federal court that the Trump administration was violating the 10th Amendment with Operation Metro Surge. Asha and Renato discuss how the federalism argument can be a check on the Trump administration, which appears to be using 3,000 ICE and Border Patrol agents to intimidate Minnesota officials into doing what it wants. Plus, Renato and Asha analyze ICE's contention that its agents can use administrative “warrants” to enter a person's home to conduct a search and arrest, possibly violating the 4th Amendment. Tune in! Garrett Graff Doomsday Scenario: "ICE 101" — How Trump changed ICE and CBP into a fascist secret police: https://www.doomsdayscenario.co/p/ice-101-how-trump-changed-ice-and-cbp-into-a-fascist-secret-police Asha Substack: https://asharangappa.substack.com/ Subscribe to our podcast: https://link.chtbl.com/its-complicated Follow Asha on Bluesky: https://bsky.app/profile/asharangappa.bsky.social Follow Renato on Bluesky: https://bsky.app/profile/renatomariotti.bsky.social Follow Asha on Instagram: https://www.instagram.com/asha.rangappa/ Follow Renato on Instagram: https://www.instagram.com/renato.mariotti/ Cruise with us! https://www.travelstore.com/group-travel/its-complicated-cruise-2026/ Subscribe: https://www.youtube.com/@LegalAFMTN?sub_confirmation=1 Become a member of Legal AF YouTube community: https://www.youtube.com/channel/UCJgZJZZbnLFPr5GJdCuIwpA/join Become a member of the Legal AF Substack: https://michaelpopok.substack.com/20off Follow Legal AF on Bluesky: https://bsky.app/profile/legalafmtn.bsky.social Follow Michael Popok on Bluesky: https://bsky.app/profile/mspopok.bsky.social Subscribe to the Legal AF podcast feed here: https://podcasts.apple.com/us/podcast/legal-af-by-meidastouch/id1580828595 Subscribe to the Intersection with Michael Popok podcast feed here: https://podcasts.apple.com/us/podcast/the-intersection-with-michael-popok/id1818863274 Subscribe to Unprecedented with Michael Popok and Dina Doll podcast feed here: https://podcasts.apple.com/us/podcast/unprecedented-by-legal-af/id1867023089 Subscribe to Court of History with Sidney Blumenthal and Sean Wilentz podcast feed here: https://podcasts.apple.com/us/podcast/the-court-of-history/id1867022920 Learn more about your ad choices. Visit megaphone.fm/adchoices
Former CNN journalist Don Lemon has been arrested for his involvement with a recent church protest in Minnesota. How did such a powerful American voice come to this? Our studious host, Mike Slater, has those answers as he does a deep dive into the life story of this liberal icon.Following that opener, Slater chats with Breitbart Economics Editor John Carney about President Donald J. Trump's new pick to be the next chair of the Federal Reserve: Kevin Warsh. Is this a good pick or a bad pick? Tune in to find out! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Jeremiah Sirles, Alex Boone and Phil Mackey react to the Minnesota Vikings firing GM Kwesi Adofo-Mensah, the state of the Vikings, and more! 03:00 - Why did Alex show up to the airport all bloody? 07:00 - A deep dive into the Minnesota Vikings firing GM Kwesi Adofo-Mensah, work-life balance in the NFL, and a complicated power structure in Minnesota 30:00 - What next for Minnesota Vikings? 41:00 - Which 5-win team or worse will make a New England Patriots-like jump in 2026?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
A closer look at the Epstein docs and the people - including Trumps nominee for Fed Chair - is mind-boggling. Are millions to complacent on the upcoming election plot? Mystery Alert. Explosive whistleblower claim against Tulsi Gabbard ‘locked in safe' by Trump - Why? Earthquake! Democrat Flips Deep-Red Texas State Senate Seat by 17 points. Pathetic Alert! Why is Trump really closing the Kennedy Center? Hint: He failed. Also John Parker of Minnesota's Progressive AM 950 Radio reports from Minneapolis. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Guest Bio: Steph Thurling is the Executive Director of Christian Parenting and host of The Christian Parenting Podcast as well as a speaker and the co-author of Raising Prayerful Kids. Steph has her master's in youth, family, and culture from Fuller Theological Seminary and has a background in youth and children's ministry. She loves helping families grow closer to each other and to God through meaningful experiences and conversations. Steph lives in Minnesota with her husband and three amazing and hilarious kids. Show Summary: Parenting and mentoring children comes with countless decisions—but how do you know when to say yes, when to say no, and how to hold loving boundaries that truly matter? Steph Thurling discovered the power of healthy boundaries through a difficult postpartum season and the ever-changing phases of motherhood. In this God Hears Her conversation, Elisa Morgan sits down with Steph to explore what it looks like to set wise, grace-filled boundaries, raise children who love Jesus, and keep the long view in mind through every season of parenting. Notes and Quotes: “You learn that you have to say no to things and that some things might be good for another family, but they might not be good for you.” —Steph Thurling “I learned that He will see me through it and that nothing is permanent. There are seasons for everything. There are seasons that will be easy and there will be seasons that will be hard, but no matter what, He is walking through it with us and will hold our hand and will light our path. We can rely on Him for provision.” —Steph Thurling “There is good community out there. God puts people in your life to get you through.” —Steph Thurling “My ultimate goal in my parenting is that my kids will know, love, follow, and share Jesus. That's the best thing we could want for our kids. So, it's really important that while we focus on the good things for our kids, we keep the best thing in mind.” —Steph Thurling “He is writing their story and I'm not. We have to trust Him with that even if it might look hard for a while.” —Steph Thurling Verses: Related Episodes: GHH Ep 89 – Parenting in a Toxic Culture with Dr. Meg Meeker: https://godhearsher.org/podcast/parenting-in-a-toxic-culture/ GHH Ep 133 – Helping Your Children Know Jesus with Sara Cowan Johnson: https://godhearsher.org/podcast/helping-your-children-know-jesus/ GHH Ep 182 – Raising Teens with Amy Betters-Midtvedt: https://godhearsher.org/podcast/raising-teens/ Links: The Christian Parenting Website: https://www.christianparenting.org/ God Hears Her website: https://go.odb.org/ghh191 Subscribe to the God Hears Her YouTube channel: https://www.youtube.com/@GodHearsHerODBM Episode 215 Bible Study PDF: https://xvetrm.files.cmp.optimizely.com/download/assets/GHH+Podcast_EP215_Proof+2.pdf/e108db7cf60c11f08ab3028702ece562
Uncover the truth in the latest Epstein DOJ Files Update and discover why names like Donald Trump, Elon Musk, Bill Gates, and Bill Clinton are resurfacing in this massive document release. This episode breaks down the federal data dump, the rapidly growing AI phenomenon of Moltbook, and how the latest anti-ICE protests are being organized and framed following the deaths of Renee Good and Alex Pretti This deep dive connects the dots between government transparency, the real-world implications of autonomous AI social networks, and the escalating domestic tension surrounding immigration enforcement and Operation Metro Surge. What You'll Learn The Epstein Files: What the DOJ released and the context behind the inclusion of prominent figures like Donald Trump, Elon Musk, and Bill Gates. Moltbook Decoded: Why this AI-only social network is exploding in popularity and the risks of autonomous agents shaping online narratives. Minneapolis in Focus: Border Czar Tom Homan on the ground to try and ease tensions after the deaths of Renee Good and Alex Pretti The Larger Agenda: What "National Shutdown" organizers are calling for and how it extends beyond immigration enforcement.
As federal agents carry out the massive "Operation Metro Surge" in Minnesota, tensions continue between the Department of Homeland Security and local leaders over the scale and tactics of immigration enforcement. In New York, Governor Kathy Hochul is pushing the ‘Local Cops, Local Crimes' Act to rework how local law enforcement cooperates with federal immigration authorities, a move critics argue compromises public safety. Republican Representative for New York's 11th District, Nicole Malliotakis, joins the Rundown to discuss these enforcement shifts as well as the current legal battle over her own district. As political tensions continue to rise, some experts warn the constant outrage and fixation may be taking a real toll on Americans' mental health. With divisions deepening over immigration enforcement, protests, and heated rhetoric from both sides, the question becomes whether the country can step back from the brink of permanent political anxiety. Psychotherapist and author of the upcoming book Therapy Nation, Jonathan Alpert, joins the Rundown to explain why he says politics is occupying too much space in our lives—and how to begin letting it go. Plus, commentary by New York Post and FOX News columnist, Karol Markowicz. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility. The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text 1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review" For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 Welcome to GRE. I'm your host. Keith Weinhold with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education. Corey Coates 0:29 since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com Speaker 1 1:14 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:30 Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful. Keith Weinhold 6:52 Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose. Keith Weinhold 11:38 Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver. Keith Weinhold 15:45 Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests. Keith Weinhold 16:54 You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge Caeli Ridge 17:16 my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir. Keith Weinhold 17:23 And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't. Caeli Ridge 17:58 I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it. Keith Weinhold 20:21 This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know? Caeli Ridge 21:17 So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional Keith Weinhold 22:40 for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on, Caeli Ridge 23:01 yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff, Keith Weinhold 23:44 you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs. Caeli Ridge 24:15 Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate. Keith Weinhold 25:30 So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans. Caeli Ridge 26:03 Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it. Keith Weinhold 26:53 We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right? Caeli Ridge 27:24 Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip. Keith Weinhold 28:31 Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer. Caeli Ridge 29:04 Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through. Keith Weinhold 29:39 Why would someone use a bridge loan, rather than a fix and flip loan. Caeli Ridge 29:43 So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to Keith Weinhold 30:17 the bridge loan gives you the advantage of speed, but that speed can come at a cost. Caeli Ridge 30:22 Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14% Keith Weinhold 30:30 so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold Keith Weinhold 31:06 mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com Keith Weinhold 32:08 you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989, Keith Weinhold 33:19 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com Blair Singer 33:53 this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream. Keith Weinhold 34:09 Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know Caeli Ridge 34:29 I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take Keith Weinhold 36:39 gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it. Caeli Ridge 37:22 Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category. Keith Weinhold 38:35 Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors Caeli Ridge 39:03 absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations. Keith Weinhold 39:50 Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here? Caeli Ridge 40:10 Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective, Keith Weinhold 41:43 why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental? Caeli Ridge 41:49 You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor. Keith Weinhold 42:13 That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals? Caeli Ridge 42:18 Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term. Keith Weinhold 42:33 Now, are there any particular markets that lenders want to avoid with short term rental loans? Caeli Ridge 42:39 No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction. Keith Weinhold 43:12 Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you? Caeli Ridge 43:36 I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing Keith Weinhold 44:07 well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge. Caeli Ridge 44:30 My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by Keith Weinhold 45:24 It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone Caeli Ridge 45:32 can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com Keith Weinhold 45:49 and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show. Caeli Ridge 46:09 Thank you, Keith. I appreciate you. Keith Weinhold 46:16 Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 2 50:01 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively Keith Weinhold 50:30 The preceding program was brought to you by your home for wealth building, getricheducation.com
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Judd and AJ discuss the Wild's big win over the Oilers on Saturday, chat about the dominant performance of Quinn Hughes, whether or not he could extend in Minnesota, and talk about the red hot power play. Plus more!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Craig Collins sits in for Dana. President Trump reacts to Tim Walz's “Civil War” remarks about Minnesota. The surgeon general of Florida just announced that ALL vaccine mandates in Florida will be ended. Savannah Guthrie's mom has gone missing as authorities in Arizona say a crime has been committed. Don Lemon has been released from prison. 3 Million pages of Epstein documents were released over the weekend, revealing shocking details about Bill Gates, Michael Wolfe and more. A data dump shows anti-ICE members in North Carolina are part of a well-funded and well-connected network. Billie Eilish used her Grammy speech to trash ICE and claim America was built on stolen land. Fulton County, Georgia is expected to make a new court filing challenging the legality of the FBI's seizure of 2020 election records. Dan Bongino returns to the political media space and hosts President Trump in his first show backThank you for supporting our sponsors that make The Dana Show possible…CovePurehttps://CovePure.com/DanaImprove your health with clean water this year. Get $200 off for a limited time.Relief Factorhttps://ReliefFactor.com OR CALL 1-800-4-RELIEFTry Relief Factor's 3-week Quickstart for just $19.95—tell them Dana sent you and see if you can be next to control your pain!Patriot Mobilehttps://PatriotMobile.com/DANA or call 972-PATRIOTSwitch to Patriot Mobile in minutes—keep your number and phone or upgrade, then take a stand today with promo code DANA for a free phone!Humannhttps://HumanN.comSet yourself up with simple, delicious wellness support—pick up Humann's Turmeric Chews at Sam's Club next time you're there and see why they're such a fan favorite!WebRootTake your cybersecurity seriously! Get 60% off Webroot Total Protection at https://Webroot.com/Dana Noble Goldhttps://NobleGoldInvestments.com/DanaThis is the year to create a more stable financial future. Open a qualified account with Noble Gold and receive a 3 oz Silver Virtue coin free.Subscribe today and stay in the loop on all things news with The Dana Show. Follow us here for more daily clips, updates, and commentary:YoutubeFacebookInstagramXMore InfoWebsite
The Rafah crossing reopens between Gaza and Egypt. Are enough Palestinians in urgent need of medical treatment able to use it? We hear from the family of one injured boy.Also on the programme: the detention of a five-year-old in an immigration raid in Minnesota enrages a judge; and why seeing the iconic Trevi Fountain in Rome is now going to cost you.(Photo: A Palestinian patient, accompanied by relatives, waits to leave Gaza for treatment abroad through the Rafah border crossing between Gaza and Egypt. Credit: Reuters)
Amy Klobuchar wants to be governor of Minnesota, but whistleblower David Hoch says she's known about the rampant Somali fraud in the state for years - because he's been telling her. President Trump Truths a Christina Bobb 2021 OAN report on election fraud in Pennsylvania and Arizona. Is fraud in PA the next bomb to drop? Chris Cuomo proves the mainstream media cannot be rehabilitated. 11 Senate Republicans join with democrats to continue funding a USAID offshoot whose CEO just just admitted to scamming.
Trevor Loudon Reports – Minnesota operates as America's most communist-influenced state within constitutional limits: pro-China policies, socialist education, challenges for conservatives and Christians. It can't self-correct due to entrenched radical control. Trump, with Tom Homan deployed, must target FRSO as the core instigator. Arresting key figures could stop the spread...
On Thursday night, former CNN anchor and independent journalist Don Lemon was arrested in Los Angeles and charged with federal civil rights violations for his alleged actions at a protest inside a Minnesota church in January. The Department of Justice charged Lemon, activist Nekima Levy Armstrong, Minnesota-based journalist Georgia Fort, and six others with conspiracy to interfere with the civil rights of church congregants and with violating the federal Freedom of Access to Clinic Entrances (FACE) Act. Lemon, who has maintained that he was covering the protest as a journalist, was released without bond after appearing in federal court on Friday afternoon. His next hearing is scheduled for February 9 in Minneapolis.Ad-free podcasts are here!To listen to this podcast ad-free, and to enjoy our subscriber only premium content, go to ReadTangle.com to sign up!We're hiring.Applications are open for a part-time role on the Tangle editorial team. This remote position will involve in-depth research and editing work on the daily newsletter, as well as opportunities to contribute to our podcast, YouTube, and social media channels. We are accepting applications until Tuesday, February 10 at 11:59 PM ET. To learn more about the position and how to apply, click here.You can read today's podcast here, our “Under the Radar” story here and today's “Have a nice day” story here.You can subscribe to Tangle by clicking here or drop something in our tip jar by clicking here. Take the survey: What do you think of the church protest? Let us know.Our Executive Editor and Founder is Isaac Saul. Our Executive Producer is Jon Lall.This podcast was written by: Isaac Saul and audio edited and mixed by Dewey Thomas. Music for the podcast was produced by Diet 75.Our newsletter is edited by Managing Editor Ari Weitzman, Senior Editor Will Kaback, Lindsey Knuth, Bailey Saul, and Audrey Moorehead. Hosted on Acast. See acast.com/privacy for more information.